{ "media_type": "text", "post_content": "Have about ~25k sitting in ROTH TSP. Calculators forecast that’ll be worth about north of~200k by the time I hit retirement at an average rate of 10% growth. Would it make more sense to roll it over into employer (Vangaurd) 401k plan to have more buying power of certain funds? Or are the expense fees that good and low in the TSP that I should just keep it in place?", "post_id": "619d6d1f893a0b002d837f14", "reply_count": 8, "vote_count": 1, "bowl_id": "58f80200753e990016608661", "bowl_name": "Veteran Bowl" }

Have about ~25k sitting in ROTH TSP. Calculators forecast that’ll be worth about north of~200k by the time I hit retirement at an average rate of 10% growth. Would it make more sense to roll it over into employer (Vangaurd) 401k plan to have more buying power of certain funds? Or are the expense fees that good and low in the TSP that I should just keep it in place?

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I tend to be of the opinion if there was some magical fund that everyone knew was going to perform better then it wouldn't be a secret for long. Because of this I don't see much advantage to moving my money out of TSP since the fees are quite low. There are not a ton of fund choices, but there's enough to manage your risk effectively. The one thing that might get me to move my money out though is access is a pain 🤬.

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Yep. I'm currently locked out and I need to turn my house upside down to find my account number. It's probably fine though I have most of my money in a lifecycle fund.

I just rolled my TSP over to Vanguard at D. You can find lower fees there than with the TSP. Worth it in my opinion

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It’s pretty easy. There’s a form on the TSP website you fill out, send to Vanguard to authorize, send back to the TSP, and then they transfer the funds and close your account

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If you're a believer in index funds, leave it. If you're a believer in active management, it may be worth moving it. The tap is the cheapest cost anywhere

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